Optional Coverages

In addition to the standard coverages provided under your policy, Citizens offers several optional coverages that may be available for an additional fee.

Depending on your policy type, certain coverages may not be available under your policy. Consult your policy documents for details about the specific coverage available under your policy, as well as any deductibles or exclusions that may apply.




Sinkhole Loss Coverage

Covers structural damage due to ground subsidence. This is distinct from coverage for Catastrophic Ground Cover Collapse, which is included in your standard policy for no additional fee. A sinkhole inspection may be required.

Sinkhole Loss Coverage is included as a standard coverage for Mobile Home (MHO-3 and MDP-1) policies.




Personal Property Replacement Cost

Covers the cost of fully replacing your personal property (Coverage C)




Increased Limits for Ordinance or Law

Covers additional expenses incurred if changes in the law or building codes raise the cost of rebuilding your property beyond your regular Ordinance or Law limits


Specialty Coverage Options
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Mobile Homes 


Increased Coverage A – Dwelling

Insure your mobile or manufactured home for up to 25 percent more than its estimated actual cash value.


Increased Coverage C – Personal Property

Increase your Personal Property coverage (Coverage C) from 25 percent of Coverage A to up to 100 percent (70 percent for Wind-Only policies).



Condominium Units


Increased Coverage A – Condominium Unit

The basic limit of $1,000 may be increased. For multiperil policies, Section I (property) perils can be broadened to cover additional loss types.


Unit Owner Rental to Others

Changes coverage to include rental of the residence premises to others